“Our records indicate that your creditor(s) previously verified as accurate the items that are listed. Therefore, under the Fair Credit Reporting Act, we consider this dispute frivolous and we will not reinvestigate the item(s) unless you can provide court papers or a recent, authentic letter from the creditor(s) that explain what information should be updated.”
The FCRA specifically allows the CRAs to refuse disputes of previously investigated and verified items.
“NEVER put your client in a position that they can NOT sue because you made false claims.”
To do NO harm to the public it is imperative that you ascertain all the FACTS about your client claims, account and what happened. Your letter must have factual information within or your client will NOT have cleaned hands to sue because they made false claims about a dispute.
We know that there are technicalities regarding why some accounts are deleted and some are deemed frivolous. It depends on the facts of the dispute.
Therefore if you dispute an account asking for verification procedures it is virtually always you can get tagged as sending in a Frivolous especially with TU.
Asking for “verification” is NOT a legitimate dispute ever; it’s a credit repair technique. We do NOT recommend it.
Additionally the verification procedure is only useful when you plan to sue.
The key it add facts to your letter from the beginning.
- What happened,
- What is the complaint
- How it can be fixed.
Just find something wrong that’s relevant.
If you are thinking like a consumer, don’t pretend to be a lawyer and it is notable that they are NOT a legal person, you won’t see much legal jargon in their disputes from consumers but usually always in Credit Repair dispute letters.
Dispute:
Please immediately correct these accounts:
1) [creditor/collector name (account # if multiple accounts with same name on the report)] – please delete this account as it became delinquent over 7 years ago.
2) [creditor/collector name] 2 accounts – please delete both accounts as the debts became delinquent over 7 years ago.
You are stating what happen and facts as you see them.